Many retirees believe their IRA is protected and tax-efficient—until they discover the hidden traps that can create unexpected tax bills for themselves and their heirs. Learn how recent rule changes, required minimum distributions, beneficiary designations, trusts, and charitable planning can dramatically affect your family's financial future. If your IRA represents a significant portion of your wealth, this session may be one of the most important retirement planning classes you attend. This course is provided by Trust Matters Financial, 211 E North 1st St, Seneca SC 29678, 864-324-4942, Carolyn@trustmattersfinancial.com.

With over 18 years of experience in the financial services industry, Carolyn Bare specializes in management of investment and tax and estate planning. Carolyn focusses on those areas particularly for families with scary heirs, special needs loved ones or families with complex family dynamics. Disclosure: Securities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers, LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.